Terms & Conditions

1. Definitions

In these Terms and Conditions, the following definitions apply:

• "Service" refers to the financial education programs offered by trellissweallthab, including Cooperative and Credit Union Literacy, Peer-to-Peer Lending Awareness, and Financial Scenario Planning
• "User," "You," or "Your" refers to any individual who accesses our website or registers for our services
• "We," "Us," or "Our" refers to trellissweallthab
• "Content" refers to all materials provided during our services, including frameworks, checklists, templates, and educational materials
• "Website" refers to trellissweallthab.live and all associated pages
• "Agreement" refers to these Terms and Conditions

2. Acceptance of Terms

By accessing our website, registering for our services, or using any content we provide, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

If you do not agree with any part of these terms, you must not use our website or services.

These terms constitute a legally binding agreement between you and trellissweallthab.

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts under Malaysian law
• Provide accurate and complete registration information
• Maintain the security of your account credentials

By registering for our services, you represent and warrant that you meet these eligibility requirements.

4. Description of Services

trellissweallthab provides financial education services designed to help individuals understand specific aspects of Malaysia's financial system. Our services include:

4.1 Nature of Services

Our services are educational in nature. We teach analytical methods and provide frameworks for evaluating financial instruments and making informed decisions. We do not:

• Provide financial advice or recommendations
• Recommend specific financial products or service providers
• Manage investments or handle funds
• Act as financial planners or advisors
• Guarantee any specific financial outcomes

4.2 Service Availability

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without notice. We are not liable for any modification, suspension, or discontinuation of services.

Services are provided in Melaka, Malaysia, with video-based options available for participants outside the area.

5. User Responsibilities

5.1 Account Security

You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account.

5.2 Accurate Information

You agree to provide accurate, current, and complete information during registration and to update this information as necessary.

5.3 Prohibited Activities

You agree not to:

• Use our services for any unlawful purpose
• Share program materials with non-participants
• Reproduce, distribute, or create derivative works from our content without permission
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the operation of our services
• Use our services to transmit harmful code or malicious software
• Harass, abuse, or harm other participants or our staff

6. Intellectual Property

6.1 Our Intellectual Property

All content provided by trellissweallthab, including but not limited to frameworks, checklists, templates, educational materials, website content, and branding, is protected by Malaysian intellectual property laws and remains the property of trellissweallthab.

6.2 Limited License

When you complete a service, we grant you a limited, non-exclusive, non-transferable license to use the provided materials for your personal educational purposes. You may not:

• Sell, license, or distribute our materials
• Modify or create derivative works from our materials
• Remove copyright or proprietary notices
• Use materials for commercial purposes

6.3 User-Generated Content

Any materials, ideas, or feedback you provide to us may be used by trellissweallthab without compensation or attribution, unless otherwise agreed in writing.

7. Payment Terms

7.1 Fees and Pricing

Service fees are stated in Malaysian Ringgit (RM) and are subject to change. Current pricing is:

• Cooperative and Credit Union Literacy: RM 1,350
• Peer-to-Peer Lending Awareness: RM 3,500
• Financial Scenario Planning: RM 8,500

7.2 Payment Methods

We accept payment via bank transfer or other methods specified during registration. Full payment is required before the first session unless alternative arrangements have been made in writing.

7.3 Refund Policy

Refunds are available under the following conditions:

• Cancellation at least 7 days before the first session: Full refund
• Cancellation 3-6 days before the first session: 50% refund
• Cancellation less than 3 days before or after the first session: No refund

If we cancel a service, you will receive a full refund or may transfer to a future session.

8. Disclaimers

8.1 Educational Purpose

Our services are for educational purposes only. Information provided should not be construed as financial advice, investment recommendations, or endorsements of specific financial products or service providers.

8.2 No Guarantees

We do not guarantee any specific financial outcomes or results from using our services. Financial decisions carry inherent risks, and you are solely responsible for your financial choices.

8.3 Service "As Is"

Our services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that services will be uninterrupted, error-free, or meet your specific requirements.

8.4 External Resources

We may reference external resources, regulations, or financial instruments during our services. While we strive for accuracy, regulations and circumstances can change. You are responsible for verifying current information independently.

9. Limitation of Liability

To the maximum extent permitted by Malaysian law:

• trellissweallthab shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services
• Our total liability for any claim arising from our services shall not exceed the amount you paid for the specific service
• We are not liable for any financial losses resulting from decisions you make based on our educational content
• We are not liable for delays or failures in performance resulting from causes beyond our reasonable control

10. Indemnification

You agree to indemnify, defend, and hold harmless trellissweallthab, its directors, employees, and agents from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from:

• Your violation of these Terms and Conditions
• Your use of our services
• Your violation of any rights of another party
• Your financial decisions made independently or based on our educational content

11. Termination

11.1 Termination by You

You may discontinue using our services at any time. Refunds for partial completion are subject to our refund policy outlined in Section 7.3.

11.2 Termination by Us

We reserve the right to suspend or terminate your access to our services if you violate these Terms and Conditions or engage in conduct we deem harmful to other participants or our business.

11.3 Effect of Termination

Upon termination, your right to use our services and access materials ends immediately. Provisions regarding intellectual property, disclaimers, limitation of liability, and dispute resolution survive termination.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of Malaysia.

12.2 Jurisdiction

Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Malaysia.

12.3 Informal Resolution

Before initiating formal proceedings, you agree to attempt to resolve any disputes informally by contacting us at [email protected]. We commit to working in good faith to resolve disputes amicably.

13. General Provisions

13.1 Entire Agreement

These Terms and Conditions, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and trellissweallthab regarding the use of our services.

13.2 Severability

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

13.3 Waiver

Our failure to enforce any provision of these terms shall not constitute a waiver of that provision or our right to enforce it in the future.

13.4 Assignment

You may not assign or transfer your rights under these terms without our prior written consent. We may assign our rights and obligations without restriction.

13.5 Notice

All notices to trellissweallthab should be sent to [email protected]. Notices to you may be sent to the email address you provided during registration.

14. Changes to Terms

We reserve the right to modify these Terms and Conditions at any time. When we make changes, we will:

• Update the "Last Updated" date at the top of this page
• Notify registered participants via email
• Display a notice on our website for a reasonable period

Your continued use of our services after changes take effect constitutes acceptance of the modified terms. If you do not agree to the changes, you must discontinue using our services.

15. Contact Information

For questions about these Terms and Conditions, please contact us: